Weekly Banking Bulletin

December 3, 2021

SECTION I

This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services.   Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking are listed at the end of Section I by type of application or notice.  THE WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS THAT WILL BE ISSUED BY THE DEPARTMENT.  Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Department within 10 calendar days of the date of this bulletin, unless a different time period is specified in the item.  More specifically, such comments or objections, including any that concern CRA-related applications, should be either (a) delivered by mail or in person to Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by email to [email protected].

SECTION II

This section records actions taken by the Superintendent of Financial Services, and other information concerning the activities of the Banking Division of the Department of Financial Services.  Actions relating to institutions supervised by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of action; actions relating to institutions supervised by Mortgage Banking are listed at the end of Section II by type of action taken.

GENERAL INFORMATION

Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a three-letter code indicating the unit of the Department which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:

Institution Codes

BK

Bank

MB

Mortgage Banker

BP

Budget Planner

BR

Mortgage Broker

CC

Check Casher

MS

Mortgage Servicer

CU

Credit Union

PF

Premium Finance Agency

FA

Foreign Agency

PB

Private Banker

FB

Foreign Branch

SB

Savings Bank

FR

Foreign Representative Office

SD

Safe Deposit Company

HC

Holding Company

SF

Sales Finance Agency

IC

Investment Company

SL

Savings and Loan Association

LL

Licensed Lender

SL

Student Loans

MK

Merchant Bank

TM

Transmitter of Money

MI

Miscellaneous

TR

Trust Company

    VC Virtual Currency

Regulatory Unit Codes

CM Capital Markets
CRB

Community and Regional Banks

CEU

Consumer Examination Unit

FWB

Foreign and Wholesale Banks

LFS

Licensed Financial Services

MBD

Mortgage Banking

SECTION I

November 24, 2021 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated November 24, 2021, for permission to change the location of branch office from 57 West Main Street, Ramsey, Bergen County, NJ 07446 to 185 Arch Street, Ramsey, Bergen County, NJ 07446, received.


December 1, 2021 (MI-CRB)
INVESTORS BANK
101 JFK Parkway, Short Hills, NJ 07078

Application dated November 3, 2021, for permission to open and occupy a branch office at 111 Broadway, Borough of Manhattan, City of New York 10006, received.


December 3, 2021
ORDER UNDER SECTION 12–a OF THE NEW YORK BANKING LAW

Notice of intent to issue an order pursuant to Section 12–a of the Banking Law:
Granting a request from Goldman Sachs Bank USA (the “Bank”) to exempt extensions of credit from the Bank to its affiliates from the legal lending limits under Section 103 of the New York Banking Law, consistent with the exemption from the legal lending limits that applies to extensions of credit by national banks to their affiliates under 12 USC 84 and 12 CFR Part 32, provided, however, that any such extensions of credit by the Bank to its affiliates are conducted in full compliance with the requirements and restrictions set forth in Section 23A and 23 B of the Federal Reserve Act and Regulation W of the Federal Reserve Board.

The comment period on this notice will expire January 4, 2022.


Application to engage in the business of a Mortgage Banker under Article 12-D of the New York Banking Law, amended to read as follows:

September 9, 2020
From:
Barnard Family Trust
Tanguy Vincent Serra
Jay Stuart Laifman
BKM Holdings, LLC
Paramount GR Holdings, LLC
Paramount Owner Holding Company, INC
Hayden Dickinson Barnard
John Jason Walker
Matthew Jared Dawson
As: Paramount Partners, LLC In lieu of true name Loanpal, LLC
8781 Sierra College Blvd., Roseville, CA 95661

December 1, 2021
To:
Barnard Family Trust
Scott D. Sandell
Laurence A. Tosi III
Alexander B. Seawell
Tanguy Vincent Serra
Jay Stuart Laifman
BKM Holdings, LLC
Paramount GR Holdings, LLC
Paramount Owner Holding Company, INC
Hayden Dickinson Barnard
John Jason Walker
Matthew Jared Dawson
As: Paramount Partners
8781 Sierra College Blvd., Roseville, CA 95661


Application to establish a Mortgage Broker's Branch received for examination:

November 29, 2021 (BR-MBD)
Full Service Branch
Capital Plus Residential
491 State Route 208, Suite 023, Monroe, NY 10950


Article 12-E Applications received.  Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.  They must also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

Date of Application

NMLS #

Applicant Name

City

State

October 6, 2020

2024689

Wanetta Denise Harvey

Washington

District of Columbia

December 30, 2020

1171631

Shakuntala Seodarsan

Winter Garden

Florida

May 17, 2021

1771720

Ulisses M. Moreira

Newtown

Connecticut

August 17, 2021

2112531

Christopher Min Kyu Roh

Fullerton

California

August 25, 2021

1508047

Peter Alan Asadoorian

Mahopac

New York

September 23, 2021

522999

John Bryan

Denville

New Jersey

October 11, 2021

1454699

Shang Jen Victor Chao

Flushing

New York

October 20, 2021

2080530

Michael Ng

Westbury

New York

November 2, 2021

1910010

Lori Ann Auffant Sassano

Islip Terrace

New York

November 3, 2021

2122646

Troy Devin Cavallaro

West Chester

Pennsylvania

November 8, 2021

2178118

Tayten Jorel Aldridge

Bensalem

Pennsylvania

November 9, 2021

151368

Shawn C. O'Neil

Red Hook

New York

November 10, 2021

1225618

Kevin Bladimir Henriquez Cisneros

Dallas

Texas

November 10, 2021

2005020

Deberina Williams Atkinson

Cedar Hill

Texas

November 10, 2021

2117056

Annalynn Lyanya Alsheikh

Irving

Texas

November 10, 2021

2238298

Brennon Kyle Hulbert

Irving

Texas

November 11, 2021

1821373

Brandon Keith Stewart

Lewisville

Texas

November 11, 2021

2238143

Jeffrey Jeanmichel

Dallas

Texas

November 11, 2021

2238661

William James Cook

Keller

Texas

November 15, 2021

2047422

Nicholas Joseph Favarulo

Smithtown

New York

November 17, 2021

1003183

Tiffany M. Darcy

Norwalk

Connecticut

November 17, 2021

2192214

Mark Elliott Giessinger

Columbia

Missouri

November 18, 2021

1762856

Craig Torey Garrabrant

Westfield

Indiana

November 18, 2021

2150681

Joseph Edmund Koetting

Columbia

Missouri

November 18, 2021

2163925

Steven Jay Einhorn

Far Rockaway

New York

November 18, 2021

2180950

Alexander Robert Feitl

Greenwood

Indiana

November 18, 2021

2222891

Ryan Alan Miller

Ashland

Missouri

November 19, 2021

231541

Brian J. Long

Orange

Connecticut

November 19, 2021

1924275

Reginald Mervny Jacob

McKinney

Texas

November 19, 2021

2226491

Sina Abdollahi

Aliso Viejo

California

November 19, 2021

2227802

Michael Joseph Signorile

Deer Park

New York

November 21, 2021

2071027

Zina Allessandra Beauvais

Clarkston

Michigan

November 22, 2021

409838

Iris Sigismondo

Monroe

New Jersey

November 22, 2021

2138589

Jack Lawton King

New York

New York

November 22, 2021

2256831

Isaac Klein

Monroe

New York

November 23, 2021

2211769

Christopher Kenneth Clark

Plymouth

Minnesota

November 23, 2021

2222316

Malachi Tyrone Goodman

St. Louis

Missouri

November 23, 2021

2222373

Emily Katherine Scoggins

Centralia

Missouri


SECTION II

November 15, 2021 (CC-LFS)
PAY-O-MATIC CHECK CASHING CORP.
160 Oak Drive, Syosset, NY  11791

The license to engage in business as a casher of checks at the following location has been surrendered, effective October 27, 2021:

Branch office:  295 Church Street, New York, NY  10007


November 30, 2021 (TM-LFS)
SKRILL USA, INC.
2 S Biscayne Blvd, Suite 2630, Miami, Florida 33131

Application for change of location from 100 N. Biscayne Boulevard, Suite 2120, Miami, Florida 33132 to 2 S Biscayne Blvd, Suite 2630, Miami, Florida 33131 was approved effective November 26, 2021.


December 1, 2021 (BK-FWB)
WOORI AMERICA BANK
330 Fifth Avenue, New York, NY 10001

Authorization issued to open and occupy a branch office at 3360 Satellite Boulevard, Suite 14, Duluth, Gwinnett County, Georgia 30096, on or after December 2, 2021.


December 1, 2021 (SF – LFS)
SERVICE FINANCE COMPANY, LLC
555 South Federal Highway, Suite 200, Boca Raton, FL 33432

Application for a change of control whereby Truist Bank will acquire 100% of the outstanding shares in the parent of Service Finance Company, LLC was approved on November 30, 2021.


License issued to engage in the business as a Mortgage Banker Branch under Article 12-D of the New York Banking Law:

December 1, 2021 (MB-MBD)
Full Service Branch
loanDepot.com, LLC D/B/As:
LDWholesale
loanDepot
4800 N. Scottsdale Rd., Suite 3800, Scottsdale, AZ 85251

December 1, 2021 (MB-MBD)
Full Service Branch
Nationwide Mortgage Bankers, Inc. D/B/As:
Americasa Home Loans
NMBNOW
283 Inman Ave. Unit 6, Colonia, NJ 07067

December 1, 2021 (MB-MBD)
Full Service Branch
GR Affinity, LLC in lieu of Guaranteed Rate Affinity, LLC
2605 Enterprise Road East Suite 310, Clearwater, FL 33759

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
80 Glen Head Rd, Suite 1, Glen Head, NY 11545

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
167 East Jericho Turnpike, Mineola, NY 11501

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
411 Furrows Road, Holbrook, NY 11741

December 1, 2021 (MB-MBD)
Full Service Branch
A&D Mortgage LLC
19790 W Dixie Hwy, Suite 505, Miami, FL 33180

December 1, 2021 (MB-MBD)
Full Service Branch
Envoy Mortgage, Ltd.
173 West 85th Street, New York, NY 10024

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
1555 E Henrietta Rd, Rochester, NY 14623

December 1, 2021 (MB-MBD)
Full Service Branch
Rocket Mortgage, LLC
4734 White Plains Road, Bronx, NY 10470

December 1, 2021 (MB-MBD)
Full Service Branch
MLB Residential Lending, LLC D/B/A MLB Mortgage
33 SE 7th Street, Suite M, Boca Raton, FL 33432


Certificate issued to engage in the business as a Mortgage Broker Branch under Article 12-D of the New York Banking Law:

December 1, 2021 (BR-MBD)
Full Service Branch
Astar Home Capital Inc
4000 Hollywood Boulevard, Suite 455-S, Hollywood, FL 33021


License to engage in the business of a Mortgage Banker Branch surrendered:

November 26, 2021 (MB-MBD)
Atlantic Home Loans, Inc.
222 Post Rd., Unit 2621, Fairfield, CT 06824
Effective Date: October 26, 2021

November 26, 2021 (MB-MBD)
Luxury Mortgage Corp.
15200 Jog Road, Unit 202, Delray Beach, FL 33446
Effective Date: November 19, 2021


Mortgage Banker License Address Changes:

November 30, 2021 (MB-MBD)
Interstate Home Loan Center, Inc.
From: 40 Marcus Drive, Suite 200, Melville, NY 11747
To: 40 Marcus Drive, Suite 250, Melville, NY 11747

November 30, 2021 (MB-MBD)
Family First Funding LLC
From: 215 Main Street, Suite 2A, Toms River, NJ 08753
To: 44 Washington St., Suite 200, Toms River, NJ 08753

November 30, 2021 (MB-MBD)
Impac Mortgage Corp. D/B/A Excel Mortgage
From: 19500 Jamboree Road, Irvine, CA 92612
To: 19500 Jamboree Road, Suite 200, Irvine, CA 92612


Mortgage Banker Branch License Address Changes:

November 30, 2021 (MB-MBD)
NLC Loans in lieu of NATIONS LENDING CORPORATION
From: 1000 Woodbridge Center Drive, Suite 101, Woodbridge, NJ 07095
To: 201 Route 17 North, Suite 604, Rutherford, NJ 07070

November 30, 2021 (MB-MBD)
Homebridge Financial Services, Inc.  D/B/A Menlo Park Funding
From: 711 Westchester Avenue, Suite 403, White Plains, NY 10604
To: 800 Westchester Ave, Suite S606, Rye Brook, NY 10573

November 30, 2021 (MB-MBD)
Greenway Mortgage Funding Corp.
From: 233 Broadway, Suite #2305, Office #303, New York, NY 10279
To: 233 Broadway, Suite 2020, Office 2, New York, NY 10279


Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York Banking Law.

Date of Approval

NMLS #

Applicant Name

City

State

Sponsoring Entity

November 17, 2021

542932

Michael Yair Isaacson

Phoenix

Arizona

Cognizant Mortgage Services Corporation

November 30, 2021

4076

Robert Dean Villone

Fishkill

New York

JL Mortgage Brokers LLC

November 30, 2021

7297

James Anthony Passabet

Pleasantville

New York

loanDepot.com, LLC

November 30, 2021

8778

Michael J. Littleton

Yorktown

New York

loanDepot.com, LLC

November 30, 2021

35700

Kathleen Nagle

Hamburg

New York

OwnersChoice Funding, Incorporated

November 30, 2021

38461

Michael Patrick Salamon

Cherry Hill

New Jersey

Union Plus Mortgage Company

November 30, 2021

40262

Jeffrey Adam Silverman

Holland

Pennsylvania

Envoy Mortgage, Ltd.

November 30, 2021

55813

Ezra Ziff

Oceanside

New York

Prudential Borrowing, LLC

November 30, 2021

60362

Craig Greissman

Merrick

New York

loanDepot.com, LLC

November 30, 2021

63831

Richard Caruz Nailes

Jamaica

New York

Cardinal Financial Company, Limited Partnership

November 30, 2021

65130

Robert John Lepanto

Astoria

New York

loanDepot.com, LLC

November 30, 2021

66858

Denis Michael Clyne

North Charleston

South Carolina

Family First Funding LLC

November 30, 2021

67162

Michael Adam Csornak

Farmingdale

New York

East Coast Capital Corp.

November 30, 2021

82175

Faride Francklin

Valley Stream

New York

United Mortgage Corp.

November 30, 2021

113935

Christina Bayyan

Newark

New Jersey

Jersey Mortgage Company of New Jersey, Inc.

November 30, 2021

121530

Jennifer Anne Pilla

East Setauket

New York

United Mortgage Corp.

November 30, 2021

125301

Laura Kotowski

Smithtown

New York

Family First Funding LLC

November 30, 2021

173422

Nichole Marie Guthneck

Boca Raton

Florida

NP, Inc.

November 30, 2021

179181

Michael Christian Davis

Johnstown

Ohio

Carrington Mortgage Services, LLC

November 30, 2021

180867

Michael Joseph Guthneck

Boca Raton

Florida

NP, Inc.

November 30, 2021

189301

Christopher Michael Meyer

Hicksville

New York

Contour Mortgage Corporation

November 30, 2021

206259

Tania Elizabeth Morgan

Highland Park

Illinois

Guaranteed Rate, Inc.

November 30, 2021

207263

Patrick Anthony Neely

Maple Shade

New Jersey

Arc Home LLC

November 30, 2021

220326

Sharon N. Ford

Bedminster

New Jersey

CrossCountry Mortgage, LLC

November 30, 2021

240381

James Nicholas Tolley

Newmarket

New Hampshire

Fairway Independent Mortgage Corporation

November 30, 2021

256514

Wendy Marie Bankston

Aliso Viejo

California

Nationstar Mortgage LLC

November 30, 2021

319419

Joel Tovy Reich

Brooklyn

New York

CrossCountry Mortgage, LLC

November 30, 2021

392435

Gregory Allen Patterson

Cherry Hill

New Jersey

Freedom Mortgage Corporation

November 30, 2021

410195

Peter A. Alongi

Syosset

New York

R & J Capital Group, LLC

November 30, 2021

556632

Ashley Lauren Paolozzi

Utica

New York

Premium Mortgage Corp.

November 30, 2021

600733

Alan J. Taveras

Bronx

New York

UNMB Home Loans Inc.

November 30, 2021

784754

Lori Malley

Bay Shore

New York

Shamrock Home Loans, Inc.

November 30, 2021

821050

Adam Paul Fink

Huntingdon Valley

Pennsylvania

Allied Mortgage Group, Inc.

November 30, 2021

852773

Anja Haracic

Round Hill

Virginia

MLD Mortgage Inc.

November 30, 2021

860842

Russell Perry Cross

Jacksonville

Florida

Carrington Mortgage Services, LLC

November 30, 2021

899957

Jaime Fee Morton

Delran

New Jersey

Guaranteed Rate Affinity, LLC

November 30, 2021

956747

Bryan Scott Robidart

Foothill Ranch

California

Lenox Financial Mortgage Corporation

November 30, 2021

992669

Kevin Roger Wiegmann

Jacksonville

Florida

Carrington Mortgage Services, LLC

November 30, 2021

1018809

Edward Chang-Huk Yim

Bellevue

Washington

Full Beaker, Inc.

November 30, 2021

1054846

Fabiola Alma Tiscareno

Rancho Cucamonga

California

Sun West Mortgage Company, Inc.

November 30, 2021

1067883

Jason E. Rivas

Oakdale

New York

Embrace Home Loans, Inc.

November 30, 2021

1092872

Casey Cole Sullivan

Carmel

Indiana

Carrington Mortgage Services, LLC

November 30, 2021

1116855

Tyler Scott Frist

Indianapolis

Indiana

Royal United Mortgage, LLC

November 30, 2021

1147181

Le Mike Ho

Rancho Santa Margarita

California

loanDepot.com, LLC

November 30, 2021

1162851

James W. McLaughlin

East Greenbush

New York

ClearPath Mortgage Solutions, Inc.

November 30, 2021

1231779

Anne Marie Urban

Saratoga Springs

New York

Fairway Independent Mortgage Corporation

November 30, 2021

1301900

Steven Yap

Easton

Pennsylvania

Guaranteed Rate, Inc.

November 30, 2021

1411155

Omar Alexander Bahour

El Cajon

California

Freedom Mortgage Corporation

November 30, 2021

1430522

Raquel Angelita Santillan

El Cajon

California

Freedom Mortgage Corporation

November 30, 2021

1503577

Gregory Molloy

Rockville Centre

New York

CrossCountry Mortgage, LLC

November 30, 2021

1506199

Scott Andrew Cummings

Clifton

New Jersey

American Neighborhood Mortgage Acceptance Company LLC

November 30, 2021

1509383

Michael Vincent Tedeschi

Huntington

New York

Nationwide Mortgage Bankers, Inc.

November 30, 2021

1543606

Joseph Bruce Shoemaker

Chicago

Illinois

Guaranteed Rate, Inc.

November 30, 2021

1605979

Andrew Walter Maheras

Gilbert

Arizona

Carrington Mortgage Services, LLC

November 30, 2021

1626432

Eddie R. Rodriguez

Freeport

New York

loanDepot.com, LLC

November 30, 2021

1672757

Victoria Marie Callihan

Ashburn

Virginia

MLD Mortgage Inc.

November 30, 2021

1699158

Kenneth Lipschutz

Bloomfield Hills

Michigan

GCP REIT IV MLO, LLC

November 30, 2021

1709540

Zoey Shuxin Tang

Flushing

New York

Homebridge Financial Services, Inc.

November 30, 2021

1844556

Yocasta Delacruz

Passaic

New Jersey

Cardinal Financial Company, Limited Partnership

November 30, 2021

1849831

Conor Fitzpatrick

Closter

New Jersey

Northstar Funding Inc.

November 30, 2021

1852723

Aaron Joseph Bonaccorsy

Voorhees

New Jersey

Garden State Home Loans Incorporated

November 30, 2021

1865845

John C. Casabona

East Rockaway

New York

Lightning Funding Inc.

November 30, 2021

1902647

Brad Richard

Lebanon

Indiana

Carrington Mortgage Services, LLC

November 30, 2021

1929690

Lucas Stephen Ahern

Ellicott City

Maryland

NewRez LLC

November 30, 2021

1946361

Brent Robert Guthrey

Cleveland

Ohio

Reliance First Capital, LLC

November 30, 2021

1962420

Armando Tejeda

Yonkers

New York

Cityscape Mortgage Corp.

November 30, 2021

1963200

Devin Joseph Brewer

Elyria

Ohio

CrossCountry Mortgage, LLC

November 30, 2021

1964062

Grace Lee Peak

West Harrison

New York

Sun West Mortgage Company, Inc.

November 30, 2021

1979785

Tracey Lynne Obenauer

Pearl River

New York

Homeland Lending LLC

November 30, 2021

1996755

Ryan Andrew McBride

Rego Park

New York

RoundPoint Mortgage Servicing Corporation

November 30, 2021

2016275

Donald Ramsay Singh

Queens

New York

RealFi Home Funding Corp.

November 30, 2021

2034842

Margaret Mary Beckman

Hoboken

New Jersey

Better Mortgage Corporation

November 30, 2021

2035447

Karin Ann Backert

New York

New York

Better Mortgage Corporation

November 30, 2021

2039079

Tanise Cerria Edwards

Philadelphia

Pennsylvania

Freedom Mortgage Corporation

November 30, 2021

2072545

JohnRyan Rodriguez

Islip Terrace

New York

Mainstay Mortgage Corp.

November 30, 2021

2081292

Lenworth Johnson

Freeport

New York

Neighborhood Assistance Corporation of America

November 30, 2021

2097317

Alexander Arthur Deir

Lewisville

Texas

Nationstar Mortgage LLC

November 30, 2021

2102838

Phillip Ramon Estevez

New York

New York

Morty, Inc.

November 30, 2021

2102990

Thomas John Morrissey

Garfield Heights

Ohio

CrossCountry Mortgage, LLC

November 30, 2021

2103433

Kadeem A. Reid

New York

New York

American Financial Network, Inc.

November 30, 2021

2104531

Evan Michael Payne

Lewisville

Texas

Nationstar Mortgage LLC

November 30, 2021

2110795

Christopher Matthew Abbey

Delmar

New York

NP, Inc.

November 30, 2021

2113859

Moses Steinmetz

Monroe

New York

Capital M Inc.

November 30, 2021

2127889

Jordan Anthony Payne

The Colony

Texas

Nationstar Mortgage LLC

November 30, 2021

2128078

Pablo Spencer Kidd

Liberty Township

Ohio

Royal United Mortgage, LLC

November 30, 2021

2129315

Ayodele Oyebade

Brooklyn

New York

Nationwide Mortgage Bankers, Inc.

November 30, 2021

2131050

Irene Sarri

Astoria

New York

Lyons Mortgage Services, Inc.

November 30, 2021

2139751

Hunter McCain Robichaux

Southlake

Texas

Nationstar Mortgage LLC

November 30, 2021

2154289

Gerald J. Thielemann

Staten Island

New York

CityBrook Corp.


Application for licensing as a Mortgage Loan Originator under Article 12-E of the New York Banking Law, WITHDRAWN.  The individuals listed may not engage in mortgage loan origination activity in New York State or on New York State residential property:

Date Application Withdrawn

NMLS #

Applicant Name

City

State

December 1, 2021

1169479

Jay Sterling Royce-Procopio

Roswell

Georgia